RBL Bank World Safari Mastercard Credit Card vs Yes Bank Elite Plus Credit Card: Which is Better in 2026?
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In short: Yes Elite Plus has the lower annual fee (₹999 vs ₹3,000); both include 2 airport lounge visits a quarter; RBL World Safari has the lower forex markup (0% vs 2.75%).
| Key facts | RBL World Safari | Yes Elite Plus |
|---|---|---|
| Annual fee | ₹3,000 | ₹999 |
| Joining fee | Not listed | ₹999 |
| Annual fee waived | Not listed | On ₹2 lakh annual spend |
| Lounge access | 2 airport lounge visits a quarter | 2 airport lounge visits a quarter |
| Forex markup | 0% | 2.75% |
From issuer benefit data, checked 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Rbl Bank World Safari Mastercard Credit Card and Yes Bank Elite Plus Credit Card both offer travel-centric benefits with complimentary lounge access and golf privileges. While the RBL card features no forex markup and milestone rewards, the Yes Bank card provides higher reward point accruals and a lower annual fee with a waiver option. This comparison highlights their differences in fees, rewards structure, travel perks, and forex charges.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Rbl Bank World Safari Mastercard Credit Card | Yes Bank Elite Plus Credit Card |
|---|---|---|
| Bank | RBL Bank | Yes Bank |
| Network | MasterCard | MasterCard |
| Joining fee | — | Joining Fee of Rs.999 |
| Annual / renewal fee | Annual Fee of Rs.3000 | Renewal Fee of Rs.999 |
| Annual fee waiver | — | Spend Rs.200000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 2 Reward Points Per Rs.100 | 4 Reward Points on Every Rs.200 |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | Enjoy 2 Complimentary International Lounge Visits | 3 Complimentary Airport Lounge Access Per Year |
| Welcome benefit | Welcome Gift - Makemytrip Voucher Worth Rs.3000 | — |
| Milestone benefit | Earn 10000 Travel Points on Spend of Rs.2.5 Lakhs; Earn 15000 Travel Points on Spend of Rs.5 Lakhs | — |
| Foreign currency markup | 0% - Foreign Currency Transactions | 2.75% - Foreign Currency Transactions |
Which is better for rewards?
When it comes to rewards, the Yes Bank Elite Plus Credit Card offers a more rewarding structure with 4 points per Rs.200 spent, increasing to 6 points for offline shopping and 12 points for online shopping, capped at 12,000 points for online spend. In contrast, the Rbl Bank World Safari Mastercard Credit Card provides 2 reward points per Rs.100 spent and 5 points on travel spends, but also includes milestone travel points on higher spends. Overall, Yes Bank's card is better suited for frequent spenders seeking higher point accumulation, especially online.
Which is better for travel?
Both cards provide strong travel benefits including complimentary airport lounge access and golf privileges. The RBL card offers 2 domestic lounge visits per quarter and 2 international lounge visits, while Yes Bank provides 2 domestic lounges per quarter and 3 international lounges annually. Both cards include 12 golf lessons and 4 complimentary rounds of golf with 50% discounts on green fees. The RBL card's milestone travel points and a welcome voucher add value for high spenders, but Yes Bank's slightly higher international lounge access balances the travel perks.
Which has lower effective cost?
The Yes Bank Elite Plus Credit Card has a significantly lower joining and renewal fee of Rs.999 each, with a renewal fee waiver on spending Rs.2,00,000 annually. The RBL card charges a higher annual fee of Rs.3,000 with no stated waiver. However, RBL offers 0% forex markup compared to Yes Bank's 2.75%, which could be a cost advantage for international transactions. Overall, Yes Bank's card is more economical for domestic usage, while RBL may benefit frequent international travelers.
Forex Charges
RBL Bank's World Safari card offers 0% forex markup, making it cost-effective for international transactions. In contrast, Yes Bank Elite Plus charges 2.75% on foreign currency transactions, which may increase costs for overseas spending.
Fee Waiver Complexity
Yes Bank Elite Plus Credit Card provides a clear renewal fee waiver if you spend Rs.2,00,000 annually, which can reduce the effective cost. The RBL card does not mention any fee waiver, so the Rs.3,000 annual fee applies regardless of spend.
Who should pick Rbl Bank World Safari Mastercard Credit Card?
Consider Rbl Bank World Safari Mastercard Credit Card if you prioritize zero forex markup and milestone travel rewards on high spends. Its welcome gift voucher and additional travel points on milestone spends make it suitable for frequent international travelers and those who can leverage the higher spend benefits. The higher annual fee is balanced by these perks and the complimentary international lounge visits.
Who should pick Yes Bank Elite Plus Credit Card?
Consider Yes Bank Elite Plus Credit Card if you prefer a lower joining and renewal fee with a clear waiver on annual spend. Its higher reward points on general, offline, and online spends suit users looking for accelerated rewards on everyday purchases. The card also offers slightly more international lounge access and similar golf benefits, making it a good option for domestic travelers and online shoppers.
Frequently Asked Questions
Yes Bank Elite Plus Credit Card has a lower annual fee of Rs.999 with a waiver option, while RBL Bank World Safari Mastercard charges Rs.3,000 annually without a waiver.
Yes, both cards offer 2 complimentary domestic airport lounge visits per quarter. RBL offers 2 international lounge visits annually, whereas Yes Bank offers 3.
RBL Bank World Safari Mastercard Credit Card is better for international travel due to its 0% forex markup and milestone travel rewards, while Yes Bank charges 2.75% forex markup.
RBL Bank World Safari Mastercard Credit Card offers a welcome gift voucher worth Rs.3,000 for Makemytrip. Yes Bank Elite Plus Credit Card does not have any welcome benefits.
Yes, both cards include 12 complimentary golf lessons per year, 4 complimentary rounds of golf annually, and 50% discounts on green fees.
Yes Bank Elite Plus offers 4 reward points per Rs.200 spent, increasing to 6 points offline and 12 points online (capped). RBL Bank World Safari offers 2 points per Rs.100 spent and 5 points on travel spends.